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Ever wonder why finding a good health insurance broker feels impossible, especially as a small business owner? Alice Rhodes from AUI pulls back the curtain on the often-mysterious world of employee benefits with refreshing candor and deep expertise from her 25-year career.

"I never just send stuff because their head's going to pop off," Alice explains, highlighting her personalized approach to guiding small businesses through the complex insurance landscape. While most brokers overwhelm clients with 80-page quotes and disappear until renewal time, Alice emphasizes the importance of regular communication and truly understanding each business's unique needs.

The podcast tackles common misconceptions head-on. Contrary to popular belief, working with a broker doesn't increase your insurance costs – carriers set the commissions regardless of whether you work directly with them or through an agency. Alice shares a compelling success story where shopping around helped a 20-employee business upgrade from a $3,000 deductible plan to a $500 deductible while simultaneously saving 20% on premiums.

For businesses under 50 employees (where health insurance isn't legally required), Alice outlines various options beyond traditional group plans, including Health Reimbursement Arrangements and voluntary benefits that cost employers nothing while giving employees access to valuable group rates. She explains how self-funded plans provide valuable insights into utilization patterns, allowing businesses to better educate employees about preventive care and other benefits.

The conversation serves as both a wake-up call and a roadmap. If you haven't heard from your benefits broker since your last renewal, you're likely missing opportunities for significant savings and improved coverage. Your broker should be reaching out approximately every six months, not just when it's time to renew your policy.

Whether you're a business owner frustrated with rising premiums or an HR professional trying to maximize your benefits budget, this episode delivers practical insights you can implement immediately. Connect with Alice on LinkedIn or call 1-800-671-7665 to transform your approach to employee benefits from a necessary evil into a strategic advantage.

🎙️ Connect with Chrissy Myers and discover how resilience, expertise, and community can transform your world:

🔗 Follow Chrissy on LinkedIn for behind-the-scenes insights, leadership tips, and updates on her journey as the CEO of two thriving businesses.

📘 Grab your copy of 'Reluctantly Resilient' to learn how Chrissy turned challenges into opportunities and how you can do the same in your life and business.

🤝 Explore Clarity HR and discover how Chrissy’s team simplifies HR for small businesses, giving you peace of mind to focus on what matters most.

💼 Visit AUI to see how Chrissy's employee benefits expertise can help you build a healthier, happier workforce.